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Home > Global Insurance Companies > IMG Global > Global Fusion Health Insurance

IMG GlobalFusion Insurance Plan

International businessman using GlobalFusion insurance plan

IMG Global Medical Insurance With Coverage Area Options

International businessman using GlobalFusion insurance plan

The GlobalFusion plan is a long-term, annually renewable, international private medical insurance plan designed for people living or working abroad. It is unique among IMG's global medical plans because it allows subscribers to limit their areas of coverage to Europe only, as well as offering a worldwide option. The plan also offers a number of other customization opportunities, including add-on modules for dental and vision, sports, maternity coverage and many other needs. It also offers tailored payment plans to suit your budget and your schedule. IMG Europe GlobalFusion is a flexible medical plan for expatriates, individuals, and families.

The GlobalFusion plan is a long-term, annually renewable, international private medical insurance plan designed for people living or working abroad. It is unique among IMG's global medical plans because it allows subscribers to limit their areas of coverage to Europe only, as well as offering a worldwide option. The plan also offers a number of other customization opportunities, including add-on modules for dental and vision, sports, maternity coverage and many other needs. It also offers tailored payment plans to suit your budget and your schedule. IMG Europe GlobalFusion is a flexible medical plan for expatriates, individuals, and families.

IMG GlobalFusion Highlights

Choose Your Area of Coverage

Select from Europe, worldwide, or worldwide excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan

Optional Add-On Coverage

Add on coverage for maternity care, dental and vision, daily indemnity, a personal accident plan and more.

Prescription Coverage

Up to $250,000 in prescription coverage for each covered period.

Cancer Tests and Treatments

Fully covered. (Chemotherapy is covered under Prescription Coverage.)

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IMG GlobalFusion Benefits

IMG has multiple plan options that are designed to suit your lifestyle and your budget.

  • Bronze plan: The most affordable plan designed for healthy younger adults who are seeking coverage for their most essential needs.
  • Silver plan: Medical coverage for the budget-conscious consumer and those planning to receive their care in countries with a lower medical cost. Silver offers a wide range of scheduled benefits equipped to meet your essential needs.
  • Gold Plus plan option: A comprehensive major medical plan designed for people who need long-term coverage. Benefit levels continue beyond year three as long as the coverage remains in effect.

IMG GlobalFusion Detailed Benefits Table

Plan Limits
 BronzeSilverGold Plus
Lifetime Maximum Limit Per Individual Insured Person$2,500,000 / £1,375,000 / €1,675,000$5,000,000 / £2,750,000 / €3,350,000$5,000,000 / £2,750,000 / €3,350,000
Annual Excess and Co-Insurance Options
 BronzeSilverGold Plus
Annual Excess Options
- Per Insured Person, Per Period of Insurancen
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700
50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment
Family Maximum Annual Excesses3 x Individual Annual Excess3 x Individual Annual Excess3 x Individual Annual Excess
Annual Excess Carry Forward - If prior Annual Excess not met, then last 30 days Expenses from the previous Period of Insurance are carried forward and applied towards satisfying the Annual Excess for the next Period of InsuranceYESYESYES
Co-Insurance within the USA & Canada PPO NetworkNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance outside the USA & CanadaNo Co-InsuranceNo Co-InsuranceNo Co-Insurance
Co-Insurance Payable by Insured inside the USA & Canada
– When treatment is taken outside the USA & Canada PPO Network*
– (*No Co-Insurance for Non-Emergency In-Patient Treatment when utilising a USA Medical Concierge Provider)
20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance
In-Patient and Day-Patient Benefits
BronzeSilverGold Plus
Surgery, Surgeons, Consultants, Second Surgical Opinion, Medical Practitioners, Nurses, Treatment, Services and Supplies routinely provided and Ancillary ChargesFull CoverFull CoverFull Cover
Hospitalisation/Room & BoardFull CoverUp to $600 / £350 /€400 per day 240 day MaximumFull Cover
Intensive Care UnitFull CoverUp to $1,500 / £850 / €1,000 per day – 180 day per eventFull Cover
Anaesthetist’s Charges associated with SurgeryFull Cover20% of Surgery BenefitFull Cover
Diagnostic Tests and Procedures, X-Rays, Pathology, & MRI/CT ScansFull CoverFull CoverFull Cover
Prescribed Drugs, Dressings and Durable Medical EquipmentFull CoverFull CoverFull Cover
Reconstructive Surgery-following an accident or following surgery for an eligible conditionFull CoverFull CoverFull Cover
Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and RadiotherapyFull CoverFull CoverFull Cover
PhysiotherapyFull CoverFull CoverFull Cover
Parental Hospital AccommodationFull CoverFull CoverFull Cover
Prosthetic DevicesFull CoverFull CoverFull Cover
Transplants$250,000 / £137,500 / €167,500 Per Transplant$250,000 / £137,500 / €167,500 Per Transplant$1,000,000 / £550,000 / €670,000 Lifetime Limit
State Hospital Cash Benefit$300 / £165 / €200 Per Night 60 nights$300 / £165 / €200 Per Night 60 nights$300 / £165 / €200 Per Night 60 nights
Terrorism Coverage$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit$10,000 / £5,500 / €6,700 Lifetime Limit
Out-Patient, Wellness and Other Coverage Benefits
BronzeSilverGold Plus
Out-Patient including: Family Doctor, Treatment and Referrals, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures
*not dependent upon admission

No Family Doctor Cover

Specialists & Consultants:
Up to $500 / £275 / €335 Prior to admission*, then

up to $500 / £275 / €335

following related Out-Patient Surgery or In-Patient/Day-Patient treatment: for 90 days after leaving hospital

Including Pre* & Post Hospital: $250 / £140 / €170 X-Ray per Examination Maximum Limit;

$300 / £165 / €200 Lab Tests per Examination Maximum Limit

FULL COVER Except: $150 / £85 / €100 Physician Charges Maximum per Visit;
Hospital Charge $100 / £55 / €67 Co-Pay unless admitted;
Urgent Care Facility - $25 / £15 / €20 Co-Pay;
Diagnostic Lab and X-Rays limited to $5,000 / £2,750 / €3,350 per Period of Insurance
Full Cover
Emergency Room Illness, Waived if admitted as an In-Patient or Day-Patient (Additional $250/£138/€168 Excess if not admitted)No CoverFull CoverFull Cover
Emergency Room AccidentNo CoverFull CoverFull Cover
Supplemental Accident BenefitNo CoverNo Cover$300 / £165 / €200 per covered accident
Out-Patient SurgeryFull CoverFull CoverFull Cover
MRI, CAT Scan Echocardiography, Endoscopy, Gastroscopy Colonoscopy, Cystoscopy$600 / £330 /€400 Maximum Per Examination$600 / £330 /€400 Maximum Per ExaminationFull Cover
Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and RadiotherapyFull CoverFull CoverFull Cover
Prescribed Out-Patient Drugs, Medicines, Dressings and Durable Medical EquipmentUp to $600 / £330 /€400
Following and in relation to In-Patient/Day-Patient Treatment or Out-Patient Surgery: for 90 days after leaving hospital
Full CoverFull Cover
Physiotherapy, Homeopathic, Chiropractic Therapy and Osteopathic TherapyPhysiotherapy Only: Relating to In-Patient/Day-Patient Treatment, Out-Patient Surgery
Up to $40 / £25 / €30 per visit
10 visit Maximum: for 90 days after leaving hospital
Up to $40 / £25 / €30 per visit
30 visit Maximum
Maximum of 1 visit per day
45 visit maximum
Up to $4,000 / £2,500 / €3,000 per Period of Insurance
Complementary Medicine Acupuncture, Aroma Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese MedicineNo CoverNo CoverUp to $200 / £110 / €135
AIDS/HIV TreatmentNo CoverNo CoverUp to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime Limit
Home Nursing Care30 Days Limit: Up to $150 / £85/ €100 per visit30 Days Limit: Up to $150 / £85/ €100 per visit45 Days Limit: Up to $150 / £85/ €100 per visit
RehabilitationNo CoverNo CoverFull Cover Up to 90 Days
Hospice CareNo CoverNo CoverFull Cover Up to 180 Days
Adult Wellness and Health Check
- includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance)
- After 12 months continuous coverage
No CoverNo CoverUp to $250 / £140 / €170
Child Wellness and Health Check (Under 18 years of age)
- includes Hearing Test, Sight Test and Vaccinations/Inoculations
(Not subject to Annual Excess or Co-Insurance)
- After 12 months continuous coverage
No Cover3 visits per Period of Insurance Up to $70 / £40 / €50 per visitUp to $200 /£110 / €135
Pre-Existing Conditions
-Underwriting/Coverage Options
Full Medical Underwriting Option:
- After 24 months continuous cover
- Declared and Accepted conditions (unless otherwise excluded or terms applied as indicated otherwise in writing)
- Flexible Underwriting Option available - Endorsement issued if applicable.
No CoverUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime LimitUp to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime Limit
Moratorium Enrolment & Underwriting Option
- After 24 months continuous coverage: subject to 24 months without treatment, symptoms, medication or consultation
- Available to insureds up to age 64
No CoverFull CoverFull Cover
Newly Diagnosed Chronic ConditionsCoveredCoveredCovered
Mental/Nervous - After 12 months continuous coverageNo CoverOut-Patient OnlyUp to $10,000 / £5,500 / €6,700
$50,000 / £27,500 / €33,500 Lifetime Limit
Travel, Transportation and Out-of-Area Benefits
BronzeSilverGold Plus
Emergency Local AmbulanceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-InsuranceUp to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-InsuranceFull Cover
Emergency Evacuation and Transportation To the Nearest Suitable Hospital FacilityUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-InsuranceUp to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-InsuranceFULL COVER Not subject to Annual Excess or Co-Insurance
Accompanying Relative, Travel and AccommodationNo CoverNo Cover$10,000 / £5,500 / €6,700 Lifetime Limit
Cremation/Burial or Return of Mortal Remains$10,000 / £5,500 / €6,700 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance$25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance
Worldwide Accident & Emergency Out of Area Coverage (USA Treatment Must Be within PPO Network)15 Days Maximum30 Days Maximum30 Days Maximum
Dental and Vision Benefits
BronzeSilverGold Plus
Emergency Dental Due to AccidentUp to $1,000 / £550 / €670Up to $1,000 / £550 / €670Full Cover
Emergency Dental due to Sudden Unexpected Pain To Sound Natural TeethNo CoverNo CoverUp to $100 / £55 / €70
Additional Benefits and Services
BronzeSilverGold Plus
Recreational ScubaNo CoverNo CoverFull Cover
24 Hour Emergency HelplineIncludedIncludedIncluded

For detailed information on the IMG GlobalFusion plan schedule of benefits, please see the plan brochure.

IMG GlobalFusion Optional Add-On Coverage

  • Maternity

  • Dental & Vision

  • Global Daily Indemnity

  • Sports Coverage

Maternity

Available after 10 months of continuous cover, with a lifetime limit of $50,000.

Dental & Vision

Routine vision care and routine and emergency dental care.

Global Daily Indemnity

Pays a fixed sum directly to you for each night you are required to stay in a hospital.

Sports Coverage

Gold Plus subscribers may add on coverage for extreme sports and amateur sports.

IMG GlobalFusion Add-On Detailed Benefits Table

Maternity Benefits
BronzeSilverGold Plus
Emergency Dental Due to AccidentFull CoverFull CoverFull Cover
Emergency Dental due to Sudden Unexpected Pain To Sound Natural TeethUp to $100 / £55 / €70Up to $100 / £55 / €70Up to $100 / £55 / €70
Non-Emergency Dental Sections D3, D4 & D5 Combined: i) Calendar Year Maximum Sum Insured ii) Dental Annual Excess iii) Maximum Annual Excesses per Family per Calendar Year - After 6 months continuous coveri) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
i) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
i) $750 /£425 /€500;
ii) $50 / £30 / €35
iii) 2
Class I Treatment:
- Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover *Refer To Policy Wording for Full Details & Listing
90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived
Class I Treatment:
- Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover
90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived90% Coverage, Dental Annual Excess Waived
Class II Treatment:
- Radiographs & X-Rays - Oral Surgery & Extractions - Routine Compound Fillings, Restorations, Re-cementing crowns, inlays and bridges & Prosthetic Repairs - Endodontics & Root Canals - Periodontics & Gum Disease - Minor Restorative Services - After 6 months continuous cover
70% Coverage, after Dental Annual Excess70% Coverage, after Dental Annual Excess70% Coverage, after Dental Annual Excess
Class III Treatment: - Prosthodontic Services including: appliances, bridges, full and partial dentures that replace missing natural teeth that were extracted while the person is covered with this Plan. - Major Restorative Treatment including: Crowns, Jackets, gold-related services required when teeth can not be restored using other filling material. - After 6 months continuous cover50% Coverage, after Dental Annual Excess50% Coverage, after Dental Annual Excess50% Coverage, after Dental Annual Excess
Vision Care
Not subject to Annual Excess or Co-Insurance
(Benefit payable per 24 months)
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
Exams – up to $100 / £55 / €70
Materials – up to $150 / £85 / €100
Dental and Vision Benefits
BronzeSilverGold Plus
Maternity - Only available to Female Insureds - After 10 months of continuous cover
*All benefits reduced by 50% for births occurring in the 11th or 12th month of continuous coverage
Optional Add-On Coverage
Additional Premium Applies*
Optional Add-On Coverage
Additional Premium Applies*
Optional Add-On Coverage
Additional Premium Applies*
Normal Delivery - Including Premature Birth Treatment, Pre, Post and Routine Natal Care*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350*Up to $5000 / £2750 /€3350
C-Section*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025*Up to $7500 / £4125 / €5025
New Born Baby Wellness
- Not subject to Annual or Annual Maternity Excess or Co-Insurance
- for the first 12 months of life
$200 /£110 / €134$200 /£110 / €134$200 /£110 / €134
Cover for New Borns including non-hereditary birth defects and congenital abnormalities*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days*Up to $250,000 / £137,500 / €167,500 for the first 31 days
Other Add-On Benefits
(Upon selection at initial Application and subject to additional premium)BronzeSilverGold Plus
Sports Coverage* Coverage Add-On
i) Listed Extreme Sports
ii) Amateur Sports *Non-Professional
(Gold Plus Plan Only)
Not ApplicableNot Applicablei) $25,000 / £13,750 / €16,750 Lifetime Limits
ii) $10,000 / £5,500 / €6,700 Lifetime Limit
Global Daily Indemnity Benefit Payable per Day per Unit$100/day
$25,000 Lifetime Limit

For detailed information on the IMG GlobalFusion plan optional add-on benefits, please see the plan brochure.

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How Much Does IMG GlobalFusion Cost?

The best way to determine your IMG GlobalFusion International Health Insurance Plan cost is to contact one of our agents to request a quote. GlobalFusion health insurance plan premiums can vary greatly based on which plan you choose, your area of cover, your age, and the number of people who will be on your plan.

IMG Global Fusion Eligibility

The IMG GlobalFusion Medical Plan is available to U.S. citizens and non-U.S. citizens from the age of 14 days up to 74 years. Your GlobalFusion plan will automatically terminate upon your 75th birthday. If you are enrolled in the GlobalFusion plan by your 65th birthday and maintain continuous cover to age 75, lifetime medical cover is available.

U.S. citizens who subscribe to the plan must already live abroad or plan to move abroad by the effective date of their policy. U.S. citizens must also live abroad for at least six of the 12 months covered by the policy. Non-U.S. citizens can live anywhere in the world but may have eligibility restrictions in the USA.

IMG Global Fusion Medical Insurance FAQ

Does the IMG GlobalFusion plan cover COVID-19?

The GlobalFusion plan covers COVID-19, with some limitations. If you travel while your country of residence or destination country has a travel warning or advisory related to COVID-19, then it is not covered. You are also required to follow local government or health department regulations regarding COVID-19 if you suspect you have contracted the illness. Please see the IMG Global page regarding COVID-19 for more detailed information.

How is IMG Europe different from IMG Global?

IMG Europe is a wholly-owned subsidiary of IMG Global. Its plans are global and have unique features specific to the European market. It is based near London, U.K.

Do I have to renew my IMG GlobalFusion plan each year?

If you provide a credit or debit card to pay for your premium, the IMG GlobalFusion plan will automatically renew in order to ensure you do not have a lapse in coverage. You will be notified before your renewal date and given the option not to renew at that time.

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